Honestly, just start trying. If you’re ready; go for it. I had a family member at the beginning of the year try and tell me to not try for a baby cause of covid. I’m self employed and currently 5 months pregnant now! Not the most ideal situation but as long as you have a roof over your head and lots of love for baby (obviously I know you need more things, but if money is tight you can get some amazing used stuff for babies)
Without sounding negative; you just don’t know how long it’ll take! We took about 18 months which shocked me cause of us being “young” but sometimes things take a little longer! There were tonnes of things that I could have said to delay trying for a baby (wanting to move house, wanting more holidays etc) but we just thought sod it, we will see what happens! Good luck with whatever you choose to do